International Travel Insurance Program

A program duly approved by the Shraiah Committee for the provision of insurance cover for travelers on international flights in respect of the risks related to travel outside Saudi Arabia, as the travelers may suffer losses due to a series of incidents such as the cancellation or curtailment of the trip, missed departure, loss of baggage, delayed baggage or its arrival in appropriate time. It also includes coverage for emergency medical expenses, personal accident, or personal public liability according to the terms, conditions and exclusions set forth in the insurance policy.


The value of the program cover

The maximum limit of compensation paid by the company to the Insured differs in accordance with type of insurance cover provided under the Travel Insurance Policy. The company has identified the amount of compensation so that it starts from SR 920 (compensation for the delayed baggage), and up to SR 3,000,000 (compensation for emergency medical expenses). Each cover included in the Policy has a different limit of compensation.


Program cover

The International Travel Insurance Program covers the risks related to travel outside Saudi Arabia that may be suffered by the traveler due to a series of accidents as follows:

Coverage

Maximum limit per claim in SR

Worldwide

Worldwide excluding USA & Canada

Schengen

Personal Accident

SR 100,000

Covered

Covered

Covered

Medical Emergency Expenses

SR 3,000,000

Covered

Covered

Covered
(Max limit per claim SR 200,000)

Cancellation

SR 15,000

Covered

Covered

Not Covered

Curtailment

SR 15,000

Covered

Covered

Not Covered

Missed Departure

SR 1,900

Covered

Covered

Not Covered

Medical Inconvenience Benefit

SR 1,900

Covered

Covered

Not Covered

Personal Property

SR 8,000
(Subject to sub-limit)

Covered

Covered

Not Covered

Delayed baggage

SR 920

Covered

Covered

Not Covered

Personal public liability

SR 2,000,000

Covered

Covered

Not Covered


The International Travel Insurance Program Provides Cover on the Basis of:

  1. Short Term Insurance: This cover is not valid for trips exceeding 6 months
  2. Annual Insurance: This cover is for a number of different trips during the whole year. However, the maximum duration of any trip will not exceed 60 consecutive days

The insurance cover includes three geographic boundaries:

  1. All over the world (World-wide)
  2. All over the world except USA and Canada
  3. Schengen countries

Cost of insurance (per adult person) in SR

Cover

Short Term Cover

Annual Insurance

Geographic boundaries

Up to 5 days

6-9 days

10-17 days

18-31 days

Each additional week

Standard Cover

World-wide

170

200

235

275

55

525

World-wide except USA and Canada

110

150

159

235

45

Not applicable

Schengen countries Program

55

65

8​0

11​0

20

350


Advantages of the program

  1. The program provides the passenger with reassurance and peace of mind to enjoy the trip and offers comprehensive protection
  2. Insurance cover for young people is available at discounted prices
  3. It covers incidents of domestic flights if the flight is a part of an international flight covered by insurance
  4. Insurance cover is available for people aged over 65 years
  5. Provides free coverage for children under the age of two years when they travel accompanied by an adult of full age
  6. The policy meets the requirements of some foreign embassies in order to issue visas to their countries
  7. This insurance provides the Insured with medical assistance service round the clock while traveling around the world through UHC - UnitedHealthcare Global Assistance Services

Terms of the program

  • This program is only available to persons resident in Saudi Arabia
  • This policy is only valid for trips commencing in and returning to Saudi Arabia
  • This insurance is not valid for trips taken within Saudi Arabia unless these form part of an international trip outside Saudi Arabia and do not exceed 24 hours in each case
  • If your money, valuables or any items of personal baggage are lost or stolen, you must notify the local police and make sure you obtain a copy of the police report complete the claim procedures
  • Winter sports are only available to persons under the age of 65 years
  • Basic cover is available for people aged over 65 years with double contribution
  • The program cover is subject to an excess up to SR 200 per claim
  • Schengen cover under the program is only limited to personal accident and emergency medical expenses up to SR 200,000

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